Investor Presentaiton

44 · Funding strategy Covered Bond programme was created in early 2012 in order to diversify funding sources and to form a reliable and cost effective funding channel • Since the launch of the programme both EUR- and SEK- denominated Covered Bonds have been issued totalling EUR 1,114 M outstanding Bank of Åland has also issued senior unsecured to maintain a balanced funding mix • Themes 2019-2020 . Demand conditions and the market situation favour issuance in Covered Bonds • • The balanced funding mix is maintained Bank of Åland didn't get MREL requirements. There are no foreseen authority or regulatory requirements which would have an effect on the funding of the bank ÀLANDSBANKEN

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